Purchasing a vehicle is one of the most exciting and significant finance decisions you will make during your lifetime. That's why for over 50 years, Ford Credit has been offering competitive financing options that make it convenient for you to drive home in the new Ford, Lincoln or Mercury vehicle of your choice.

With over half a century of experience, Ford Credit understands the importance of making the best choice. To assist in making that decision, we've provided important information for you to consider when thinking about your next vehicle purchase.

Step 1: Determine your vehicle wants and needs

It is important your vehicle meets all your functional needs as well as being esthetically pleasing and exciting to drive. Establishing a list of wants and needs will help guide your purchase decision.

Only you can determine the right vehicle for you - you should consider:

• Seating, Capacity and Towing to accommodate both passengers and cargo
• Safety Features
• Cost of Ownership such as fuel and insurance
• Performance and Handling
• Comfort and Convenience
• Style

Step 2: Identify your vehicle choices

Now that you've determined what you're looking for, it's time to look for those vehicles that suit the style, comfort and performance you prefer.

Now the fun part - visit Ford Motor Company online to:

• Check out the full vehicle lineup
• Compare with competition
• Build and price vehicles that match your wants and needs
• Locate a Ford, Lincoln or Mercury Dealer near you for a test drive

Step 3: Decide on a budget

Once you've identified your choices, it's time to review your finances to see which vehicles best suit your budget. Be sure to keep in mind everyday vehicle ownership expenses, such as insurance, fuel consumption and regularly scheduled maintenance.

Now the necessary part - be sure to consider:

• Our Budget Calculator to help determine a monthly payment that works within your budget
• Cash Rebate and Special Rates Incentives available in your area
• Our Payment Estimator see how much your vehicle choices may cost
• Ford Motor Company Insurance Services for competitive rates combined with a benefit package uniquely designed for Ford Motor Company customers

Step 4: Make your financing choice

Ford Credit offers a variety of finance options that provide various features and benefits to help make your vehicle purchase or lease affordable and convenient. The decision to finance or lease can depend on your driving habits, how you intend to use your vehicle and how often you like to change vehicles. You can make the selections that best fits you, your needs and your lifestyle.

Finance a Vehicle - Make it yours

Vehicle ownership can be the ultimate reward and whether you're considering a new or
Certified Pre-Owned vehicle, Ford Credit can help make your purchase a reality.

Ownership has its advantages and provides unique benefits:

• Variety of popular terms are available
• No mileage limitations or excess wear and use charges
• Customize your vehicle the way you like at any time
• Each payment helps build vehicle equity toward future trade-in

When considering financing, also consider GAPCoverage. This optional product can waive the difference between the current outstanding balance and actual cash value in event of a vehicle loss.

You may also want to consider our innovative Flex Buy finance option, designed to complement today's budget and tomorrow's income.

Lease a Vehicle - Reserve the option to return or buy

Leasing your next vehicle may allow you to make lower payments compared to comparable term financing. You also have the flexibility of three great options at lease end.

Leasing also has its advantages and unique benefits:

• Variety of popular terms are available
• Seven mileage options
• Customize your vehicle at time of purchase with approved accessories
• Your choice of three great options at lease end:
• Purchase or lease a new Ford, Lincoln or Mercury
• Purchase your leased vehicle at a predetermined price
• Return your leased vehicle (after fulfilling your lease-end obligations)

When considering leasing, also consider WearCare^®. This optional product offers up to $2,500 protection against lease end excess wear and use charges that may not be covered by your insurance company.

Step 5. Review available services and accessories

Once you've determined your vehicle and finance options please consider some of our assurance products designed to enhance your total vehicle experience.

Ford Extended Service Plan (ESP) takes some of the worry out of unexpected repair bills. A wide range of coverage options are available based on your individual needs.

Ford, Lincoln and Mercury Custom Accessories can make your vehicle experience even more personal. Whether you're looking for additional utility, security, functionality or convenience these accessories will go the distance, ensuring a precise fit, durability and style.

Ford Motor Company Insurance Services offers competitive rates combined with a benefit package uniquely designed for Ford Motor Company customers.

Step 6. Get started on the ownership experience - Apply for Credit Online

Ford Credit brings over 50 years of experience for financing that's right for you. See your local Ford, Lincoln or Mercury dealer and look to Ford Credit for a full range of outstanding products and services.